Honest Pricing. No Trial Tricks.
Free forever for core planning. Upgrade when you need the advanced tools.
Free
Core planning tools, forever free.
🔒 Guest plans stay in your browser until you sign in free. We never sell your data. Learn more
- ✓Full profile & projection engine
- ✓Projected balances, portfolio chart & cash flow
- ✓Black Swan deterministic stress test
- ✓Social Security benefit estimates
- ✓SPIA & QLAC annuity modeling
- ✓Dashboard, guided tours & summary PDF
- ✓Cloud backup for your active plan + up to 3 saved scenarios (free account)
Founding Member ⭐
Locked in forever at launch pricing.
Price locked in forever — never increases for founding members.
- ✓Everything in Free
- ✓Monte Carlo probability analysis
- ✓Compare unlimited saved scenarios side-by-side
- ✓Roth conversion optimizer + 4 auto-Roth strategies
- ✓Year-by-year Tax Plan roadmap
- ✓Sage AI — ask anything about your plan
- ✓Social Security claiming optimizer
- ✓Historical backtest (1926–2024)
- ✓Stress-test sensitivity grid
- ✓Survivor tax impact analysis
- ✓Legacy, inheritance & TCJA planning
- ✓Full PDF report (no locked sections)
Frequently Asked Questions
Is there a free trial?
No trial period — the Free plan is permanently free with no credit card required. Upgrade when you want the advanced tools.
What is the founding member price?
The first 100 paying members lock in $89/year forever — that rate is guaranteed for the life of your subscription, even as the regular price increases.
Can I cancel anytime?
Yes. Cancel from your account settings. Your Premium access continues through the end of the billing period.
What happens to my data if I cancel?
Your local plan data is always yours and stays in your browser. Cloud backup pauses, but nothing is deleted.
Can I compare scenarios on the free plan?
Free signed-in accounts get cloud backup of your active plan and up to 3 named saves via Save Scenario in the header. Side-by-side Compare, the optimizer, Monte Carlo, and other Plan analysis tools require Premium.
Is there a money-back guarantee?
Yes — if you're not satisfied within 30 days of your first purchase, contact us for a full refund.